What's in the Affordable Care Act?

Discussion in 'Health Care' started by Polly Minx, Aug 2, 2012.

  1. Polly Minx

    Polly Minx Active Member

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    Okay, here's some MUCH overdue information on what the Affordable Care Act actually does, including the changes that have already taken effect and the ones that will later. As you'll find, the main aspect of it, the massive expansion of Medicaid coverage, takes effect on January 1st, so that is not yet in place, but is coming down the pipeline fairly quickly. That's the measure that will ultimately reduce the ranks of the uninsured in this country by tens of millions. (Medicaid is the program that subsidizes the poor...and beginning next year also most low-income people...to purchase health insurance on the market. In other words, the program underwrites the cost of purchasing insurance for said groups of people.) But lots of other benefits are already in place, including ones that have benefited my mom and myself directly. My family has a history with breast cancer, for example. My mom is now enabled, as a result of this law, to get mammograms for free. That's a real benefit. So was the rebate check she recently received because her insurance company spent less than 80% of its revenues on actual health care. Neither of those things would have happened without the new law. One measure that will likely benefit me took effect yesterday: the provision covering contraception for free. (No co-payments, no deductibles.) And, needless to say, the measure to take effect at the start of 2014 requiring that insurance companies stop charging women higher rates just because we're women will also likely benefit us both. And so when I hear politicians (such as presidential candidate Mitt Romney, who ironically HIMSELF authored the state-level legislation in Massachusetts that inspired the "Obamacare" law in the first place) proclaiming that they'd like to see all this repealed and prevent the rest of it from ever taking effect, I'm rather unsympathetic to it.

    Some on the left have criticized the ACA on the grounds that it doesn't go far enough. That's obvious. It leaves the private, for-profit insurance industry intact and it virtually doesn't cover immigrants at all. The former of those things is particularly problematic in that it guarantees that actual health care costs will ultimately continue to rise, and very substantially, even while insurance coverage will increase. The current regime of things, even with this new law in place, cannot be sustained. It's too expensive and inefficient. Eventually we're going to have to socialize our insurance system at minimum because that will be the only way to keep rising administrative costs under control (not to mention that it's only way to actually cover everyone). The successful passage of the ACA, however, has created an added momentum in that direction. My native Vermont, for example, subsequently passed a law implementing a socialized medical insurance system in this state, which will take effect in the coming years. Montana is in the process of doing the same now as well. And momentum for socialized insurance regimes is building in many other states now too.

    Feminists have often criticized the ACA's failure to cover abortion procedures for free, or even to ALLOW women to have abortion procedures covered on the same insurance plans that they receive their ACA benefits from. Those are serious and justified criticisms since the latter aspect of that in particular actually hurts access in a significant way. HOWEVER, it's clear that the ACA benefits women overall, including in many ways that are specific to women and women's reproductive rights. I've highlighted the provisions covering mammograms and requiring that insurance companies charge women the same rates as men, for example. Concerning reproductive rights, this law is a net gain for women in that it provides free coverage for contraception, which the vast majority of women would prefer over the abortion option anyway. Women tend to recourse to abortion only when contraception has not been an option. The measure of the ACA that took effect yesterday will massively help ensure that it is an option for many more women.

    In short, there is no good reason to actually oppose the Affordable Care Act. There are lots of shortcomings to it that are worthy of criticism and there is much yet to be done in the way of getting from here to a system of socialized medicine, but I believe that such criticisms should be offered within the framework of fundamentally supporting the ACA. Just saying.
     
  2. Talon

    Talon Well-Known Member Past Donor

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    I can give you one good reason to oppose ObamaCare, Polly: the individual mandate.
     
  3. Polly Minx

    Polly Minx Active Member

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    The mandate is what pays for it. One may justly oppose it if they are opposed to balanced budgets, to the public having the maximum possible price bargaining power possible, etc., but not if they are serious about insuring the maximum number of people in any way short of nationalizing the health care system (which, as stated previously, would be my preference anyway).
     
  4. tkolter

    tkolter Well-Known Member

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    The Medicaid expansion is elective, states can and will likely opt out. Of course now there are options some states might ask for a partial expansion in example cover disabled persons based in the income guideline up to the poverty line which would make getting on faster. And you could require basic medical evidence of at sufficient medical issues to be considered disabled. In fact other options exist cover people up to the poverty line and the ones at and over go into an exchange. It depends what states decide to do. If they do not expand Medicaid the only option the Feds have is expanding the exchanges to include those at the bottom in the 0-100% of the povety line.

    But overall the mandate is fine one way or another people must be in insurance plans for this to work as far as that can be done.
     
  5. Daggdag

    Daggdag Well-Known Member

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    Thank Romney and the republicans for that one. They forced Obama to replace the public option with the mandate.
     
  6. Polly Minx

    Polly Minx Active Member

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    The individual mandate that Republicans complain about today was, in fact, originally their idea in the first place. It was proposed by none other than Newt Gingrich and the Heritage Foundation in the '90s as an alternative to the Clinton plan of an employer mandate. The individual mandate was first put into place by Republican governor, and now party nominee for president, Mitt Romney. But suddenly, now that the president has signed such a measure into law as part of a "Romneycare"-esque national health care reform package, its all his possession: "Obamacare". You see how that works?
     
  7. Lil Mike

    Lil Mike Well-Known Member

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    The Supreme Court decision allows the States to opt out of the expansion of Medicaid, without jeopardizing their participation in "regular" Medicaid, so I don't think it's going to do nearly as much to cover people as originally predicted.
     
  8. tkolter

    tkolter Well-Known Member

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    States now have options for Medicaid that is good, for example they could ask for funds for people earning at the poverty line and have one or more serious chronic conditions with a clear list of what counts paid for with a penny more on state sales tax. Or could expand it to those earning 138% of the poverty line based on income but charge for this say 5% of the persons income and more out of pocket costs over those on for disability. The fact is the decision is not all doom and gloom look at it as I do giving states choices they didn't have before the all or nothing of the ACA.

    Why is this bad I thought Republicans wanted states to have their rights now its all on them to make expansions or not and how they want.
     
  9. Akula

    Akula Banned

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    That's as far as I got. Nothing is "free". The machines, the staff, the building, the electricity, the doctors.....None of that is "free".
     
  10. Mr_Truth

    Mr_Truth Well-Known Member

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  11. Lil Mike

    Lil Mike Well-Known Member

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  12. Anders Hoveland

    Anders Hoveland Banned

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    Do you have any idea what it is actually like trying to deal with an insurance company? No, this is just going to create a whole lot more bureaucracy.
    People should only have high deductable insurance policies for those rare hospital bills they may not be able to afford. Everything else should be payed out of pocket. If you can't afford to pay out of pocket, you can't afford to pay for health insurance either. In fact, it's actually cheaper to pay out of pocket. How else are those insurance companies making so much profit?
     
  13. Mr_Truth

    Mr_Truth Well-Known Member

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    Paid **********s are everywhere. But the point here is that people like him, George Galloway, and Tony Benn (all from the UK) have absolutely no fear of telling off the drugged up delusionals of the extreme radical far reich wing. Americans should do exactly the same. After all, they are only telling the USA how it should change for the better. Reich wingers like Bush don't just tell people overseas to change their ways, he and others of his ilk invade and kill in order to bring about the changes they want.
     
  14. Lil Mike

    Lil Mike Well-Known Member

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    George Galloway.... he was the MP who was on the take from Saddam Hussein right? The old Oil for Food scandal? Quite a repulsive human being.

    Anyway, you can hardly be expected to be taken seriously when you use phrases like "Reich wingers." Godwin law violators usually have nothing important, interesting, or clever to say and that seems to be the case here.
     
  15. liberalminority

    liberalminority Well-Known Member

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    In a nutshell, Obama care will eventually lead to Universal Health care, as seen in Europe due to rising costs.

    Republicans vehemently are disgusted by socialism, where the responsible have to take care of the irresponsible. All those provisions are paid for by the taxpayer, under a privatized health care system, the responsible get all the neccessary coverage, and the best health care possible.

    Under this new plan of socialized medicine, the responsible or wealthy, have to take care of others with their own tax monies, as well as suffer an inferior health care system that Universal health care eventually leads to.

    For example, the wait times for mammagrams, diagnostic procedures, Physicians who treat their patients like cattle, rushing them out with subpar health care services, since they are paid less under this new system.

    So while the Affordable care act, or Obamacare, does give generously to the low income, it harms the middle and high income earners.
     
  16. tkolter

    tkolter Well-Known Member

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    And if nothing is done and this is repealed at some point ,say twenty years, the government will have to take over the system I would think using insurers as medical delivery managers and ban profits and could say all medical providers are now public employees at a fair salary or they can't practice. You want that?

    And again for a poor person with no health care in place other that go to the ER or free clinic not exactly good now it can't be much worse under the Affordable Care Act for me and the wealthy always had lots more in the way of health care options that is not going to change now is it?

    And I want some changes having a Licensed Nurse Practitioner doing alot of primary care and the like is good, doctors should help in more complex medical cases they are a waste treating common medical issues and doing case care management since they cost twice as much to have on staff than a qualified LNP. In fact why a LNP for very routine care say a common UTI in a healthy patiant a basic nurse with a bachelors degree could do that or a person with a two year specialty degree if one seriously looked at this on skills related to the task (under supervision in this case of a LNP or MD perhaps).
     
  17. squidward

    squidward Well-Known Member

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    obama and the dem controlled, filibuster proof congress could have passed any bill they desired.

    Forced ?.......What a wimpy assed excuse for an excuse.
     
  18. squidward

    squidward Well-Known Member

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    of which you are the latter, as you only wish to receive from the responsible, and do not desire to be responsible yourself, giving of your own.
     
  19. squidward

    squidward Well-Known Member

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    don't make people think. It hurst their heads.
    Plus, whore politicians have promised them free stuff.
    That's what us big, bad and free americans want, free stuff,...... and to be led around by the weeny like little, dependent children.
     
  20. liberalminority

    liberalminority Well-Known Member

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    There is nothing inherently wrong with reaping fruits from the government, what the affordable care act has done, is allow many Americans to do just that.

    The responsible taxpayers are often priviledged, or come from priviledge, and among their responsibilities to this great nation, is to take care of its citizens whom can't or won't take care of themselves.

    So the affordable care act provides another avenue for them to be patriotic Americans, by providing free health care services to those with pre existing conditions or uninsured altogether.

    good day.
     
  21. squidward

    squidward Well-Known Member

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    Your responsibility is to take from society and never give it appears.
    You have many opinions concerning what others owe you, but never any opinions as to what you owe others.
    Your whiney, leechful traits have not gone unnoticed.
     
  22. liberalminority

    liberalminority Well-Known Member

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    some have done too much for their society, like risk their lives fighting unjust wars for others.

    its high time, others start giving back.
     
  23. squidward

    squidward Well-Known Member

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    we're talking about you. When do you plan on giving anything ?
     
  24. liberalminority

    liberalminority Well-Known Member

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    The affordable care act, allows me to benefit my country, by existing.

    Without free health insurance by the government, many people will die, and not be able to enjoy their human rights granted by the constitution.
     
  25. squidward

    squidward Well-Known Member

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    when do YOU plan on contributing of your own, so others can "exist" ?

    did you hire a kindergartener to write that line ?
     

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